MBNA Smart Cash World Mastercard

Ongoing: 2% cash back on gas and groceries subject to a $500 MONTHLY spend cap; 1% on all other eligible purchases. Conservative reading: the $500 monthly cap is a single shared cap across gas and groceries combined, annualising to $6,000 of accelerated spend (recorded in earn_cap_annual) and a maximum of roughly $60 of INCREMENTAL cash back per year over the 1% base. The cap resets each monthly statement period. For the first 6 months the rate is 5% instead of 2% under the same $500 monthly cap. Up to 9 authorized users at no fee. MBNA states personal income must exceed $50,000 or household income must be at least $80,000.

'Earn 5% Cash Back on gas and groceries for the first 6 months' subject to the $500 monthly spend cap. Bonus_tier1_spend of 3000 is the maximum qualifying spend over the 6-month window ($500 x 6); MBNA publishes only the monthly cap. No end date published.

Purchase Assurance covering eligible items for 90 days with a $60,000 lifetime limit per account. Extended Warranty doubling the manufacturer's warranty up to one additional year. Price Protection refunding up to $500 per item within 60 days, with a $1,000 calendar-year maximum. Rental Vehicle Collision Damage Waiver. No travel medical, trip cancellation or mobile device insurance despite the World Mastercard designation. The 2% categories cap at $500 of spend per month, so the incremental value over the 1% base is roughly $60 a year against a $39 annual fee. The card can be net-negative for many users. The '5%' is a 6-month intro rate under the same monthly cap. Income requirements ($50,000 personal / $80,000 household) are high relative to the card's value. A World Mastercard with no travel medical or mobile device insurance. FX fee is NOT PUBLISHED.